Skip to content
SulitCard
Illustration, not the bank's artwork.

UnionBank · Mastercard or Visa · Platinum

U Platinum (Visa or MC)

Why pick it: No annual fee for life, no late or overlimit fee

Mastercard no-frills card: no annual fee for life, no late or overlimit fees, 10% interest rebate when minimum is paid on time; no rewards.

Score
22 /100
Rank
#91 of 123
Annual fee
Free for life
Solid C
SKIP ITHonest take

Free annual fee for life, pero walang nakalistang rewards sa page. Waived ang late fee at overlimit fee, per the page.

Bottom line: Skip it, maliban kung free annual fee at waived late fees lang ang gusto mo. Kung kaya mong bayaran ang full balance kada buwan, mas malaki ang balik ng rewards card.

Read the full take: the math, what's good, what hurts

Walang rewards na nakalista sa page. Ayon sa data, -₱500 ang balik ng typical household (~₱825k a year), at ~-₱2,500 ang travel value, hinihila pababa ng foreign transaction fee (hanggang 3.52%). Annual fee: ₱0. 22 ang score nito, kaya #91 sa 123 open cards.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • Free for life ang annual fee sa principal at supplementary cards. Walang conditions, ayon sa page.
  • May 10% interest rebate kapag nagbayad ka ng minimum on or before the due date.
  • Waived ang late fee at overlimit fee, per the page.

What's bad

  • Walang rewards o earn rate na nakalista sa page o sa data, kaya wala kang mababawi sa gastos mo.
  • Mataas ang foreign fee, hanggang 3.52% (1% network fee plus up to 2.525% UB service fee).
  • Hindi waived ang interest kahit waived ang late fee. Babayaran mo pa rin ito kung hindi mo binayaran ang full balance.

The catch: Hindi nakalagay sa page ang foreign fee o ang income requirement. Galing sa UB fee table ang foreign fee. Ayon sa comparison site, ₱180,000 a year ang income, o ₱250,000 a year kung wala ka pang credit card.

Rechecked on the bank page on 2026-10-24. Not on the page: foreign fee on the card page itself; minimum income; rewards (none stated); earn rate (the page lists no rewards). Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about −₱3,000 in rewards (−₱500) and travel value (−₱2,500), before the card's fees (no annual fee)
To qualify:
₱180,000 a year income; Income floor rises to ₱250,000 if no existing credit card
Bank service:
About typical.

First year

Welcome offer:
Via Moneymax (new-to-UB applicants holding another bank's card): choose a gift up to ₱3,990, e.g. ₱3,000 Giftaway eGift; no spend requirement stated. (ends Jan 31, 2027)

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#91 of 123 cards open to new applicants, and #127 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value0 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend0 / 37

      No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers16 / 16

      No annual fee. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,500 of travel value on one trip abroad a year, after the 3.52% foreign fee. How the bars work

  • Promos and 0% installments13 / 15

    0% installment network: fair. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 31 live promos tracked. How it is scored

  • Points flexibility0 / 10

    No rewards, so nothing to redeem. How it is scored

  • Credit limit and upgrade path3 / 5

    Platinum card level, plus how UnionBank handles credit limit increases and card upgrades. How it is scored

  • App and service4 / 5

    Banking app: strong. Service: about typical. How it is scored

  • Late fee2 / 2

    A late fee of ₱0 for one missed payment. How it is scored

On the default spend: about −₱500 a year in rewards and −₱2,500 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod36 DOct 2436 DOct 2619 DOct 2719 DNov 221 CNov 421 CNov 922 CNov 1022 CNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
Free for life
Supplementary fee
₱0
Fee waiver
No annual fee
Foreign transaction fee
3.52%
Minimum income
₱180,000 a year
Also needs
Income floor rises to ₱250,000 if no existing credit card

Rewards

No rewards. A 10% interest rebate when you pay the minimum due on time, and no late or overlimit fees.

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • No annual fee for life

Watch out for

  • High FX fee (3.52%): avoid using it abroad

Live and upcoming promos (38)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 33 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official UnionBank card page ↗